Terms and Conditions

Effective Date: 01/2026

By accessing our services, website, or communicating with Live Oak Insurance Group, you agree to the following Terms and Conditions.

Use of Services

Live Oak Insurance Group provides insurance-related services including quotes, policy placement, and policy servicing. All services are provided in accordance with applicable state and federal regulations.

Communication Consent

By providing your contact information, you consent to receiving communications from Live Oak Insurance Group via:

• Phone calls
• Text messages (SMS)
• Email

These communications may be related to insurance quotes, policy information, service updates, or appointment reminders.

You may opt out of SMS communications at any time by replying STOP.
Message frequency may vary. Message and data rates may apply.

No Guarantee of Coverage

Submitting information or receiving a quote does not guarantee insurance coverage. Coverage is subject to underwriting approval by the insurance carrier.

Accuracy of Information

You agree to provide accurate and complete information when requesting quotes or services. Inaccurate or incomplete information may affect eligibility, pricing, or coverage.

Intellectual Property

All content, branding, logos, and materials associated with Live Oak Insurance Group are the property of Live Oak Insurance Group and may not be used without written permission.

Limitation of Liability

Live Oak Insurance Group is not liable for indirect, incidental, or consequential damages arising from the use of our services or communications, to the extent permitted by law.

Modifications

We reserve the right to update these Terms and Conditions at any time. Continued use of our services constitutes acceptance of any updates.

Contact Information

Live Oak Insurance Group

  service@liveoakig.com
  910-635-0571